The extra items for the various benefits approved by the health insurance can quickly add up to a considerable amount, especially for those who are temporarily seriously or permanently ill.
In statutory health insurance, insured persons are entitled to benefits that prevent illnesses or serve to treat illnesses. The Patients’ Rights Act stipulates that health insurance funds must decide on applications for benefits (e.g. for therapeutic appliances and aids, domestic help, domestic nursing care) within three weeks of receipt of the application. If an expert opinion is required, in particular from the Medical Service of the health insurance funds, the health insurance funds must decide within five weeks of receipt of the application whether the service is to be approved. If it is unable to meet the deadline, it must inform the insured person in good time and in writing, stating its reasons. If no written justification is given after the expiry of the deadline, the application for a benefit shall be deemed to have been approved. Insured persons can then procure the required benefit themselves and invoice the Fund.